CHYM vs. OWL: Chime Financial vs. Blue Owl Capital Stock Comparison
How do Chime Financial (CHYM) and Blue Owl Capital (OWL) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Chime Financial (CHYM) and Blue Owl Capital (OWL) both fall under the Financial Services industry group, but CHYM is classified in Financial Services while OWL is classified in Capital Markets.
| Profile Item | CHYM | OWL |
|---|---|---|
| Name | Chime Financial Inc. Class A | Blue Owl Capital Inc. Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Capital Markets |
| GICS Sub-Industry | Transaction & Payment Processing Services | Asset Management & Custody Banks |
| Market Capitalization | 12.02 billion USD | 15.48 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | June 12, 2025 | December 14, 2020 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CHYM | OWL |
|---|---|---|
| Total Return (1Y) | 63.03% | -27.51% |
| Total Return (3Y, Annualized) | -- | -3.02% |
| Total Return (5Y, Annualized) | -- | -4.22% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CHYM | OWL |
|---|---|---|
| Volatility (1Y, Annualized) | 61.33% | 46.89% |
| Beta (5Y) | 0.31 | 1.28 |
| Max Drawdown (5Y) | -55.70% | -67.10% |
| Avg. Volume (3M) | 6.12M | 19.50M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CHYM | OWL |
|---|---|---|
| Sharpe Ratio (1Y) | 0.96 | -0.68 |
| Sortino Ratio (1Y) | 1.48 | -0.99 |
Profitability
ROE (TTM)
Both Chime Financial (CHYM) at 5.38% and Blue Owl Capital (OWL) at 6.41% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
CHYM
Financial Services industry group
5.38%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- CHYM
- 5.38%
- Q1
- 4.48%
- Min
- -18.71%
OWL
Financial Services industry group
6.41%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- OWL
- 6.41%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Chime Financial (CHYM) at 3.05% and Blue Owl Capital (OWL) at 3.08% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.
CHYM
Financial Services industry group
3.05%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- CHYM
- 3.05%
- Min
- -28.52%
OWL
Financial Services industry group
3.08%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- OWL
- 3.08%
- Min
- -28.52%
Operating Margin (TTM)
Both Chime Financial (CHYM) at 20.88% and Blue Owl Capital (OWL) at 31.15% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
CHYM
Financial Services industry group
20.88%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- CHYM
- 20.88%
- Q1
- 14.60%
- Min
- -44.34%
OWL
Financial Services industry group
31.15%
- Max
- 107.33%
- Q3
- 55.90%
- OWL
- 31.15%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | CHYM | OWL |
|---|---|---|
| ROE (TTM) | 5.38% | 6.41% |
| ROA (TTM) | 14.73% | 4.69% |
| Net Margin (TTM) | 3.05% | 3.08% |
| Operating Margin (TTM) | 20.88% | 31.15% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while Blue Owl Capital (OWL) at 25.04% is closer to the peer norm — faster top-line expansion for CHYM.
EPS Growth
Only one side can be read here: Blue Owl Capital (OWL) reports EPS growth of -50.00%, ranked against its industry; Chime Financial (CHYM) has no EPS growth figure this period.
Growth Metrics
| Metric | CHYM | OWL |
|---|---|---|
| Revenue Growth (YoY) | 30.69% | 25.04% |
| Revenue Growth (3Y CAGR) | 29.42% | 27.97% |
| EPS Growth (YoY) | -- | -50.00% |
| EPS Growth (3Y CAGR) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Chime Financial (CHYM) in Financial Services and Blue Owl Capital (OWL) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Chime Financial (CHYM) in Financial Services and Blue Owl Capital (OWL) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | CHYM | OWL |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Chime Financial (CHYM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Blue Owl Capital (OWL) reports a yield of 9.66%, ranking against industry peers normally.
CHYM
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- CHYM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
OWL
Financial Services industry group
9.66%
- Max
- 9.77%
- OWL
- 9.66%
- Q3
- 3.92%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Blue Owl Capital (OWL) reports payout ratio above 100% at 650.00%, meaning dividends exceeded current-period earnings; Chime Financial (CHYM) pays no dividend (payout 0.00%).
CHYM
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- CHYM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
OWL
Financial Services industry group
650.00%
- OWL
- 650.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CHYM | OWL |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 9.66% |
| Dividend Payout Ratio (TTM) | 0.00% | 650.00% |
Valuation
P/E Ratio (TTM)
Both look expensive on trailing earnings: Chime Financial (CHYM) at 27.48 sits in the richer P/E ratio quartile, and Blue Owl Capital (OWL) at 70.14 is richer still, above its industry range.
CHYM
Financial Services industry group
27.48
- Max
- 45.85
- CHYM
- 27.48
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
OWL
Financial Services industry group
70.14
- OWL
- 70.14
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Chime Financial (CHYM) at 4.57 is priced about in line with its industry on P/S ratio, while Blue Owl Capital (OWL) at 5.04 sits in the pricier quartile — OWL costs more per dollar of sales.
CHYM
Financial Services industry group
4.57
- Max
- 9.23
- Q3
- 4.57
- CHYM
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
OWL
Financial Services industry group
5.04
- Max
- 9.23
- OWL
- 5.04
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Blue Owl Capital (OWL) at 3.54 is valued about in line with its industry on P/B ratio, while Chime Financial (CHYM) at 7.79 carries an above-peer premium to book — CHYM is pricier on assets.
CHYM
Financial Services industry group
7.79
- CHYM
- 7.79
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
OWL
Financial Services industry group
3.54
- Max
- 7.79
- Q3
- 3.63
- OWL
- 3.54
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | CHYM | OWL |
|---|---|---|
| P/E Ratio (TTM) | 27.48 | 70.14 |
| P/S Ratio (TTM) | 4.57 | 5.04 |
| P/B Ratio (MRQ) | 7.79 | 3.54 |
| Free Cash Flow Yield (TTM) | -- | -- |